Michele Albohn- Home Equity Advisor

10/28/2026

What dragon boating taught me about timing.

In the boat, timing matters more than strength.

With home equity, it can be the same: the unused part of a HECM line of credit grows over time, so when you open it, it can matter.

If you'd like to talk through whether the timing fits your plan, you can book a call via the link in my bio.

10/21/2026

⚠️ Heads up, homeowners 62+ ⚠️

The Federal Reserve says another rate hike may be coming, and its next decision is October 28.

If you have an adjustable-rate mortgage or carry credit card balances, your payments could go up. And if you’re living on Social Security or a pension, your income won’t rise to match.

Here’s something many retirees don’t know: a reverse mortgage can pay off your existing mortgage, so you no longer have a monthly mortgage payment, and you keep living in your home. (You still pay taxes, insurance, and upkeep.)

Rates are rising, but your options don’t have to shrink. 💙

📞 Call or text me at (865) 424-6350 and let’s see if it’s a fit for you. No pressure, just answers.

Michele Albohn, CMA, CREV | NMLS #1989021 | Coast2Coast Mortgage NMLS

10/19/2026

Thinking of withdrawing money from your 401(k) early? You’re not alone, but pause first.

New research shows people ages 55 to 64 tap their retirement savings early more than any other age group. Life happens: a divorce, losing a spouse, a parent who needs care, a big repair.

Here’s the catch. When you take money out early, you lose more than that amount. You also lose the growth it would have earned. Before age 59½, you’ll usually owe taxes plus a 10% penalty, too.

Before you touch your retirement savings, look at your home. For many families, the house holds more wealth than the 401(k). You can use that equity in a few ways, including reverse mortgage options for homeowners 62 and older. Used the right way, home equity can let your savings keep working for you.

Not sure what makes sense for you or your parents? Let’s talk it through. No pressure, no obligation.

📞 (865) 424-6350
📅 book.ingoodhandsmortgage.com

Michele Albohn, CMA, CREV | NMLS #1989021 | In Good Hands Mortgage powered by Coast2Coast Mortgage | Company NMLS
#376205 | Equal Housing Lender. Not a commitment to lend. All loans subject to credit approval and property appraisal. Programs, rates, terms, and conditions subject to change without notice. Not all applicants qualify.

10/18/2026

Dave Ramsey says reverse mortgages are a rip-off. 🙄

I’ve spent 25 years in elder law, Medicaid planning and healthcare administration, helping retirees protect what they’ve built. Here’s what Dave leaves out about today’s HECM reverse mortgage:

✅ It’s FHA-insured and federally regulated.
✅ Independent HUD counseling is required before you can move forward, so no one can rush you.
✅ Your name stays on the title. You still own your home.
✅ It’s non-recourse. You or your heirs will never owe more than the home is worth.

A reverse mortgage isn’t right for everyone. But “rip-off”? That’s an outdated sound bite, not a retirement plan.

This is Episode 1 of my Dave Was Wrong series. Follow along as I take on his claims one by one.

📅 Book a no-pressure numbers review: book.ingoodhandsmortgage.com
(link in bio)

Michele Albohn, CMA, CREV | NMLS #1989021

10/17/2026

10/10/2026

https://voce.com//capital-gains-trap-selling-family-home-qmjkat

Long-time owners who sell can owe surprise tax on gains beyond the $250,000/$500,000 exclusion — and a spouse's death can cut that exclusion in half.

10/04/2026

This Friday, October 9th, come to the 3rd Annual Intra-Club Race with Tellico Heat Dragon Boat Club.

One team 2 boats: Green and Orange.

Experience the sport, the team, the heart, and the sportsmanship🧡

10/02/2026

Your HELOC might not be there when you need it most. 😬

In 2008, banks froze and cut home equity lines all over the country, right when families were counting on them.

A reverse mortgage line of credit works differently:
✅ The bank can't freeze it, reduce it or cancel it as long as you pay your property taxes and insurance and keep up the home
✅ The part you don't use grows over time

If you're 62+ (or you're helping a parent plan for retirement), this is one of the most misunderstood tools out there. Watch the video, then comment "LINE" or message me and I'll send you a simple comparison. No pressure, just good information. 💙

10/01/2026

🏠 Before you sell, run the numbers.

Most people assume selling the house is the "safe" move in retirement.

But here's what often gets skipped:

After commissions, closing costs, capital gains, and moving expenses — a $450,000 home can cost you $35,000–$50,000 before you see a dollar.

And renting a comparable space? In most markets, it costs more than staying put.

The real question isn't sell or stay.

It's: What does each option actually cost you — and what does your equity make possible either way?

For homeowners 62+, there's often a third option nobody talks about: access your equity, stay in your home, eliminate your mortgage payment — no moving truck required.

I just published a breakdown of the real math on selling vs. staying